Next.js 15 + Postgres 16 + Clerk + Stripe + Vercel: our default. One committed pick per layer, no 'it depends'. Infra $40-$60/mo at MVP scale. 80+ products shipped.
15-country hourly rate table (junior to AI-ML). US $100-$250/hr, India $15-$65/hr, Poland $50-$110/hr. AI/ML premium +30-90%. TCO framework, timezone matrix.
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